Listings - From ALL sources that I can show you.

First-time buyers plan

Navigating the world of Canadian home buying


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Listing # A1145750  |  $9.00 Monthly / Square Feet

Commercial  |  For Lease

7915 Edgar Industrial Way, A , Red Deer, AB, Canada

EASY STARTUP location and terms. 1082 sf of upscale offices with lots of windows. Main floor for ... Get More Info


Listing # A1124382  |  $15.00 Monthly / Square Feet

Commercial  |  For Lease

117 Lakeway Boulevard, 3 , Sylvan Lake, AB, Canada

This bay is located in a prime location across from a large apartment complex and quick access to ... Get More Info


Listing # A1099640  |  $20,900.00

House  |  For Sale

5433 76 Street, 282 , Red Deer, AB, Canada

Corner lot. This mobile home is in excellent condition and offers 3 bedrooms. Many upgrades have ... Get More Info


Listing # A1044271  |  $135,000.00

Commercial  |  For Sale

7875 48 Avenue, 24 , Red Deer, AB, Canada

SUPER CLEAN AND BRIGHT. 12' High x 10' wide Sunshine door really brightens it up. Good customer ... Get More Info


Listing # A1007710  |  $249,900.00

Commercial  |  For Sale

4818 50 Avenue, Daysland, AB, Canada

INCLUDES LAND. BUILDING and BUSINESS. Serving the Flagstaff County. Everybody here loves Asian ... Get More Info


Listing # A1136790  |  $259,900.00

House  |  For Sale

50 McDougall Close, Penhold, AB, Canada

Fully finished bi-level in a great neighborhood. This home offers an open concept floor plan with ... Get More Info


Listing # A1085496  |  $299,900.00

House  |  For Sale

23 Kirby Street, Red Deer, AB, Canada

A BUNGALOW in great condition with possible MOTHER-IN-LAW SUITE downstairs. Added room off Kitchen... Get More Info


Listing # A1119529  |  $309,900.00

House  |  For Sale

62 McDougall Close, Penhold, AB, Canada

Quiet location for this well maintained home. As soon as you enter you will notice the hardwood ... Get More Info


Listing # A1117887  |  $649,900.00

House  |  For Sale

4 Parkland Drive, Parkland Beach, AB, Canada

LOCATION CLOSE TO BEACH ACCESS. Very well built WALKOUT 2 STOREY and in CLEAN show room condition ... Get More Info


Listing # A1136644  |  $685,000.00

House  |  For Sale

91 Fieldstone Way, Sylvan Lake, AB, Canada

CUSTOM BUILT 2 Storey with over 3000 sq ft finished living area on all levels. There are loads of ... Get More Info

Step 1: Figure out how much you can afford.


Falling in love with a house you can’t afford can be heartbreaking. Avoid disappointment by figuring out your budget before you start looking.
 
  • First, decide how much you can afford for your down payment. The Home Buyers Plan lets you withdraw up to $20K per person (or up to $40K per couple) from your RRSPs – tax-free – to be repaid over 15 years. The bigger your down payment, the less principal you will owe, and the less interest you will pay.
  • Don’t forget about closing costs, like insurance, legal fees, home inspection costs, land registration and land transfer fees. Add those to your moving expenses and service hookup fees, and they can add up surprisingly fast.
  • Your monthly housing expenses (mortgage, taxes, heat, etc.) shouldn’t use up more than 32% of your income. (If your combined monthly income is $5000, for example, 32% of that is $1600.) If you have car payments or credit card debt, the rule of thumb is that total debt repayment shouldn’t be more than 40% of your income.
  • Get pre-approved for your mortgage. It’s a good way of finding out how much you can borrow – and it speeds up the process once you’ve found the home you want to buy. Call 403-887-6663 for FREE preapproval services.

Step 2: Figure out what type of home is right for you.


Sit down and make a list of must-haves and nice-to-haves. Be realistic, but be clear about the features you can’t live without. How many bedrooms do you need? Bathrooms? Do you want a home office? A garage? How about a big backyard? Hardwood floors? Eat-in kitchen? Consider your lifestyle and your stage of life. If you’re planning kids in a year or two, the studio loft might not be your best bet.

Step 3: Decide where you want to live.

Living in an area you like is as important as buying a home you love. Do you want to be close to work or is it more important that your family be close to schools and recreational sites?  Do you want the freedom that condo living gives or do you enjory looking after your own property?

Step 4: Start looking.

Go to open houses. Visit mls.ca. Check the classifieds. Drive around neighbourhoods you like looking for For Sale signs. Talk to your REALTOR® about your needs and start looking at properties.

Step 5: Build a team.

Put together the right group of experts to help you buy. Start with a REALTOR® you trust, then look for a reputable lender or mortgage broker, a lawyer (or a notary in Quebec), a home inspector and an insurance broker. Your Team Rush REALTOR® works closely with all of these professionals, and will be happy to recommend people you can depend on.

Step 6: Make an offer.

You’ve found the perfect place – now it’s time to make an offer. An offer to purchase includes the purchase price you’re offering, chattels to be included in the purchase (like appliances or light fixtures), the amount of the deposit, the closing date and any other conditions.

Your REALTOR® will help you prepare your offer, and will present it to the vendor, who will either accept it or make a counter offer (which asks for a higher price or different terms). You can accept or reject the counter offer. If everyone agrees, the home is yours. If not, you can make another offer, or you may have to keep looking.

Step 7: Get a mortgage.

Once you’re approved, you’ll need to decide what type of mortgage works best for your needs. Will you go with a fixed or variable interest rate? Will your mortgage be closed or open? What will your amortization period be? Will you make payments monthly, biweekly or weekly? Your mortgage broker or lender can help you find a mortgage that suits your needs – and saves you the most money in the long term.

Step 8: Move in and enjoy!

Trademarks owned or controlled by The Canadian Real Estate Association. Used under licence.